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Education & Training - Independent Leadership & Financial Fitness Consultant
“Whoever does not wish to render history incomprehensible by departmentalizing it – political, economic, social – would perhaps take the view that it is in essence a battle of dominant wills, fighting in every way they can for the material which is common to everything they construct: the human labor force.” – Bertrand De Jouvenel I used to be part of the problem, now I'm hoping to be part of the solution. For 20 years I've helped families in Utah acquire loans. I refinanced hundreds if not a thousand mortgages, I've also helped hundreds of home buyers throughout Utah and other locations. Though I didn't realize at the time I was part of a economic system that is strangling and subjecting millions to economic slavery. I'm not suggesting that mortgage lending is "evil" or unnecessary, however, even after the Mortgage Meltdown in 2007, we still give money to millions who are not ready, nor have the "thinking" or "habits" they need to pay down their mortgage. I always knew that the posted rates we gave our borrowers were based on our customers paying their entire loan off over 15 or 30 years. What the borrowers never realized is what the "REAL" interest rate they were being charged by their banks. This blog will hopefully help those ethical mortgage and real estate agents who understand the great responsibility they have in helping their customers acquire what we call the "American Dream". I hope this blog also gives the prospective homeowner prepare themselves financially for making such an important purchase decision. I also want to caution those homeowners considering their mortgage as a giant piggy bank to draw against for expenses that will never provide any type of long lasting return. Thanks for reading my blog.
RECENT BLOG POSTS
Sometimes I think writing blogs are catharsis to my soul.  My motivation to get back into the thick of things was not at an all time high.  But after getting into the office, reading Activerain blogs, I think I'm ready to fight the good fight.  Here's one thing to remember.  Those new listings an...
11/26/2007
Who's going to win the HOLY WAR!! Here's my prediction.... BYU will win this one in a close game. I'll be there, along with all my buddies, those whom haven't heard of this annual battle in the beehive state need to understand that passions run as hot at the Ohio State/Michigan rivalry. Sitting o...
11/20/2007
This may not be the most popular analysis of the mortgage industry, but this post I found in a forum maybe on reason for some of the problems in our industry...Back to school for a degree in health-care and NEVER EVER looking back at a Mortgage Industry job again!!! I just can't deal with it anym...
11/14/2007
Well the witch hunt has begun in Utah.  The media has jumped aboard the mortgage broker snipe hunt.  KSL TV, which is the highest rated media outlet in the Utah market just came out with a story that perhaps is correct in some accounts, but also irresponsible in other respects.Here is the link......
11/14/2007
In my previous article's I posted about rising oil prices and how speculation was one of the primary motivators for rising costs.  Now their are articles coming out this morning that confirm this article.  Oil Prices DropI'm sure it's more complicated then pure speculation, however the old supply...
11/13/2007
Are we looking at run away interest rates...Read this article and you tell me, (Bond market worried)With higher energy costs, and the weakening dollar, not much could push this market over the edge.  Hyper Inflation would be the first result, which would then be followed by a huge deflationary sp...
11/13/2007
 Reverse Mortgages Are Red Hot All yea mortgage brokers take heart!!!  Our parents and grandparents may rescue us once again.  That's right, Reverse Mortgage's are now the product of choice for major investment groups like Lehman brothers.  Perhaps it's because there is really no downside to reve...
11/13/2007
For those whom are remembering our veterans today, one group who have received little fan fare, and frankly witnessed war in it's worse incarnation, and they are those who served in World War I.  This startled me though, I had no idea that we were to this point in history.  The last World War I (...
11/12/2007
I think the jury is out, and the question isn't if we're heading into a recession, but the real question is how long will this recession affect markets, and how harsh will it become.  This morning I read an alarming article about the impending recession, Impending Financial Hurricane, Now I know ...
11/12/2007
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I'm sure someone may have already posted this information, but Congress is going to ram some type of mortgage reform down our throats.  The big issue is the "steering" language in the bill.  If they actually ban YSP from all loans, then we will have some major issues.  Our real estate agent frien...
11/08/2007
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